Failure to detect or obtain missing information:

Article 8 - failing in detection of missing information to the payment service provider of the payee

Article 9(1) - failing to take steps to obtain information on the payer, involving transfers of funds with missing or incomplete information

Articles 13(3), (4) or (5) - failing to correctly inform the payment service provider of missing information, provide this within 3 days and keep records, when using a payment system with technical limitations